Separate principal, interest and penalties. Ask the bank for a written breakdown; do not treat a phone discussion as a completed agreement. Compare restructuring against the existing contract and total repayments.
Explore the topic step by step
Gather documents → check the rule → choose the appropriate application route
Preparation checklist
Loan agreement, payment schedule, account statements and bank notices
Reading path
Official sources
Fees and procedures may change; verify the current official source before applying.